Gurdial Singh v. State Bank Of India & ORS.

   ! " #     "   

$%&'()*'+,-,(./ 0

0  123*,%45,.67 00'&,&,(.'3 8'3-2- 5&%&'9%.:();.*,%%.*(&7'3- 00<'-=(.*'.&-  >? @!A> BC >  " # 3'-'.&/ 308,D%E<%.%FG*H(+%&')(3&7'='&,&,(.'30 30I%=,4I%::%3FG*H(+%&')(33'-=(.*'.&J(-0 &(K0 LLLLL >  " #MB

0
7%44'.6' ,. &7' =3'-'.& ='&,&,(. ,- &( &7' -'4'+&,(. 4,-& ,0'0 J(3N%4
2N 5'.,(3,&E
7%..'4 H,*' O7,+7 3,H%&' <'-=(.*'.&- 7%H' P''. =3(N(&'* )3(N
4'3,+%413%*'&(&7' )),+'3
%*3',.Q15;0 0 R7' -7''& %.+7(3 +(.&'.&,(. () &7' ='&,&,(.'3 ,- &7%& 7' 3%.:- 7,67'3 (. &7' N'3,& 4,-& +(N=,4'* PE &7' $'=%3&N'.& )(3 +%.*,*%&'- O7( =%--'* &7' O3,&&'. &'-&S(.4,.' 'T%N,.%&,(. %.* &7%& 7' ='3)(3N'* 'T+'=&,(.%44E O'44 ,. &7' ,.&'3H,'O P2& O%- %O%3*'* (.4E  N%3:- (2& ()  F ,& P',.6 P'4(O &7' KUV P'.+7N%3:),T'*)(3&7'5
+%&'6(3E0 K0 <'6%3*,.6 &7' %2&7(3,&E () &7,-
(23& &( -,& ,. %=='%4 (H'3 % *'+,-,(. N%*' PE &7' 5'4'+&,(.
(NN,&&''F W(.X P4' &7' 52=3'N'
(23& ,. "YZ[Y\ ]Y^Y_`] CaZbcd` e^B "fB !BCB >Y_YgYc

7%* (P-'3H'* &7%&F h;& O,44 &72- %=='%3 &7%& %=%3& )3(N &7' )%+& &7%& &7' W,67
(23& 7%- 3(44'* &7' +%-'- () &7' &O( %==(,.&''- ,. (.'F &7(267 &7',3 %==(,.&N'.&- %3' .(& %--%,4%P4' (. &7' -%N'

ii

5

K U

  





  !  "

 #  ! !

$$

%  

 "!!  

&

"!
''!

 

'( ) $  "!! 



!% '

!  

"

!  * + ! 

  

'$

! 

 ! !  

"!  

 



$$

 %  

 "!!  

&

"!
''!



  "!!, 



!% '

!  

"

!  * 





"

!  ! ! 

$ !"  $  

  (  "!  (# 

# "!  &

"!
''!

- !"

 

.$ !  

(/ "*



  "

.$ ! *

 "!!  

&

"!
''!

"

 ( !    -! #  !'!   "

 !

 !#  $   '

 !

!  !# ! 

"!!  

''!

 ! $"

 %!!

! 



"!  $%  '

! 

"! 



"!

"* + !  !$  

 ! 

$   "

 

1!% !#

 "!  

''!

!  "'$!

"

-! 



%    *

''!

"!  

.$ 

 ! 

"  

"

!  

  !  





%  '

 !

(  !* + !! !

$$

%  



"!  '



 !  ! !

!  

  

 "

 "'$  !% '

!  

"

!  



  (#



2!
- -  ."

 !/!!"!* 3

*  )



-  

 

!" !  

&

"!
''!

 $  

$  '

"

 

"

!  )

$! ! '! 

!( 

 !



$ ( # /

!

"

 '!"

."

"

*

   

! %!

-

  !

 (

 "   

"" 

.   "!"' "

 

# '!""  '

!  4 

"''!

% (



 (!

 ! 

$   "

 * 5""

$! 

(/ "! 

% # ""

  "

!  - '

) !

"

  )  (!

 "!'

$"

 " *

  

 !"

#
 "

$ %&$ '()*+, -+./0 -120+ *34 -5(56 78' 19 :;<= >

?@ "

"?

B

?

CA



?DAE AA A?F ? E B

@  A !"G @@ ?B !?"

AGA!?

B ?E@AB 

"@H ? G?BAB?

G? ?@@ "

?

@  A !"G @@ C?@ I?C B " ? I?A" @@ @A#!F  G? @

 G# C?@  I?D"?  A#  $ J&$$ KLM$$ NOPQMRN%S$$ N&T%UV$$ KLM$$ WQMRM&K$$ WMK%K%P&$$ %R$$ LMQMXY$$ S%RZ%RRMSV$$ OPQ$$ KLM$ $ [N&K$PO$ZMQ%K\$ 7]^]_`a]8ba]cd= :8bef gh4ii4>g>j ?@ k 

"@!

?kAEl"

?@ B m n @lo 

""

!"

? m n @lo   

pA